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Established Contributor
Posts: 756
Registered: ‎01-20-2012
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AFNI - they are going to DELETE!

[ Edited ]

When I look at my SW report for EQ on here, I see this:

Credit At-A-Glance

Total past due [?] Credit history [?] Accounts with negative indicators [?]
$854
past due on 1 account
9 Years8

 

 

I located what the $854 is.  It's a collection from AFNI.   Can that report in the "total past due" column, I thought that was for debt like loans/cc's etc?   This is showing on my "accounts" section of report instead of under "collections".  

 

Here is how the AFNI tradeline appears:

 

Credit Account Afni-Bloom

 
Status as of Apr, 2011
Date openedJan, 2010
DOLA Nov, 2006
Largest past balance$854
Account TypeOpen Account
Account holderIndividual
IndustryFactoring Companies
    Balance [?] Current Status [?] Past Due Amount [?]
$854Bad debt/collection$854

 

 

Best way to handle?  According to TU report it is set to be removed in October 2013

 

 

 

EDITED:  I posted this as a reply but will post here to:

They are DELETING!!!

 

I decided to e-mail a DV today, short sweet simple not threatening verbage. 

 

Just got this as the reply:

 

Dear Awdsmama,

 

Thank you for your inquiry. Afni has investigated your account and during the course of this investigation the decision was made to close this account. This action does not indicate the account was not due and owing, simply that Afni is ceasing collections on the same. If Afni had furnished information regarding your account to the credit reporting agencies a request has been filed with them to remove the information regarding this account from your credit file. If you have further questions a representative of Afni can be reached at 1-866-716-1284

 

Customer Relations SpecialistRecovery Team │ Receivables Management

 

Fico: 701 (5/22/14) 682 (5/9/2014)
Discover IT $5,200 / CU Visa $1,000 / JC Penny$3,000
App Free since 2/2013
Established Contributor
Posts: 756
Registered: ‎01-20-2012
0

Re: AFNI - reporting wrong I think?

I apologize for the poor formatting!

Fico: 701 (5/22/14) 682 (5/9/2014)
Discover IT $5,200 / CU Visa $1,000 / JC Penny$3,000
App Free since 2/2013
Moderator
Posts: 13,672
Registered: ‎04-15-2011
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Re: AFNI - reporting wrong I think?

It's on Life support, that's for sure.  It's got about 10 months left before it is naturally excluded from your CR.  I would contact them and offer a settlement for a PFD.  



Starting Score: 504




July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
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Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Established Contributor
Posts: 756
Registered: ‎01-20-2012
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Re: AFNI - reporting wrong I think?


Shogun wrote:

It's on Life support, that's for sure.  It's got about 10 months left before it is naturally excluded from your CR.  I would contact them and offer a settlement for a PFD.  


Thank you Shogun, I always appreciate your quick replies and advice!

I have only PFD'd RJM - and we know how easy they are.   How is AfNI in comparison?   Would they laugh at $100?  $200? 

 

JUST NOTICED:

 

On my TU report they report under Collections.   But on EQ they report under Accounts (where my HSBC is for example).

 

Can I dispute one of those as reporting incorrectly?

Fico: 701 (5/22/14) 682 (5/9/2014)
Discover IT $5,200 / CU Visa $1,000 / JC Penny$3,000
App Free since 2/2013
Moderator
Posts: 13,672
Registered: ‎04-15-2011
0

Re: AFNI - reporting wrong I think?

They must be reporting as a Factoring Company.  I wouldn't worry about it.  Offer them $100 and see if they accept or counter.



Starting Score: 504




July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Established Contributor
Posts: 756
Registered: ‎01-20-2012
0

Re: AFNI - reporting wrong I think?

Thanks, will fire it off tomorrow!

Fico: 701 (5/22/14) 682 (5/9/2014)
Discover IT $5,200 / CU Visa $1,000 / JC Penny$3,000
App Free since 2/2013
Contributor
Posts: 78
Registered: ‎11-08-2012
0

Re: AFNI - reporting wrong I think?

I also have a AFNI on my report for a T-Mobile acct that falls off in June, 2013 ($1.224) and ive tried everything under the sun as far as DV to PFD and these people wont move a inch, ive read that they are very tuff to deal with, im ganna keep a eye on your post cause i would like to see how you made out...keep us posted and good luck.


Starting Score 11/2012 EQ: 615
Current Score 3/19/2014 EQ: 687
Current Score 3/19/2014 TU: 694


Take the FICO Fitness Challenge Discover IT $4500 Citi Simplicity Chase Freedom $3000 Cap 1 QS $1500 Cap 1 $300 Macy's $1500 Buckel $550 VS $500 Brylane Home $1000
Contributor
Posts: 78
Registered: ‎11-08-2012
0

Re: AFNI - reporting wrong I think?

They also report the same way on my EQ and TU


Starting Score 11/2012 EQ: 615
Current Score 3/19/2014 EQ: 687
Current Score 3/19/2014 TU: 694


Take the FICO Fitness Challenge Discover IT $4500 Citi Simplicity Chase Freedom $3000 Cap 1 QS $1500 Cap 1 $300 Macy's $1500 Buckel $550 VS $500 Brylane Home $1000
Established Contributor
Posts: 756
Registered: ‎01-20-2012
0

Re: AFNI - reporting wrong I think?

They are DELETING!!!

 

I decided to e-mail a DV today, short sweet simple not threatening verbage. 

 

Just got this as the reply:

 

Dear Awdsmama,

 

Thank you for your inquiry. Afni has investigated your account and during the course of this investigation the decision was made to close this account. This action does not indicate the account was not due and owing, simply that Afni is ceasing collections on the same. If Afni had furnished information regarding your account to the credit reporting agencies a request has been filed with them to remove the information regarding this account from your credit file. If you have further questions a representative of Afni can be reached at 1-866-716-1284

 

Customer Relations SpecialistRecovery Team │ Receivables Management

 

 

OMG I'm soooo excited about this.   How long can I expect the process to take from them telling CRAs to delete to it actually happening?  

Fico: 701 (5/22/14) 682 (5/9/2014)
Discover IT $5,200 / CU Visa $1,000 / JC Penny$3,000
App Free since 2/2013
Valued Contributor
Posts: 1,540
Registered: ‎08-30-2012
0

Re: AFNI - they are going to DELETE!

Told ya so. Lol....of course, it can always pop back up under someone else.

Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 712|EQ 695|EXP 723 (FICO)
Total credit $185,250; Util 14%
Goal Score: 700 across the board.
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